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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,773 | $77,908-22.0% | $149,696-59.4% | $75,173-19.2% |
| Participation rate | 96.4% | 65.6%+30.8pp | 78.8%+17.7pp | 67.2%+29.2pp |
| Annual return | 22.36% | 31.73%-9.4pp | 134.46%-112.1pp | 160.72%-138.4pp |
| Employer contribution / active EE | $2,851 | $3,138-9.1% | $4,821-40.9% | $2,671+6.7% |
| Participant deferral / active EE | $5,312 | $3,411+55.7% | $5,682-6.5% | $4,126+28.7% |
| Admin fee / account holder | $942 | $5,950-84.2% | $13,212-92.9% | $5,651-83.3% |